The Digital Credit Observatory (DCO) is an applied research network established to develop an evidence base on the delivery, impact, and regulation of digital credit products in
emerging markets

The DCO is supported by the Bill & Melinda Gates Foundation and managed by
​the Center for Effective Global Action, headquartered at UC Berkeley 

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Latest Updates

February 5 // Read Oscar Barriga Cabanillas blog post on potential digital loan clients in Haiti

January 29 // Read Carly Trachtman's blog post on the potential for digital credit for merchants in India

January 18 // ​Read Zenan Wang's blog post on banking and financial services in rural China

January 10 // ​Read Shazeda Ahmed's blog post on social credit and consumer protection concerns in China

January 9 // Key takeaways from DCO pilot studies featured in NextBillion

December 22 // DCO's NextBillion blog post nominated as "Most Influential Post of 2017"

Featured Publication

This DCO landscape analysis provides a comprehensive review of the existing literature and current landscape of ​digital credit in emerging markets.

Front cover photo credit:  © Simone D. McCourtie / World Bank